Singapore Airlines owes me a refund. How do I get it?

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By Christopher Elliott

Singapore Airlines promises Rebecca Engelmann a refund for the flights she canceled during the pandemic. She decides to file a credit card dispute. Then things get complicated. Is there a way out?


My family and I canceled our airline tickets last year because of COVID-19. Singapore Airlines promised to refund the tickets but said it would take 16 weeks. I filed a credit card dispute with Citibank.

Citibank issued a temporary credit for the tickets. A month later Singapore Airlines refunded one of the five tickets. But then, in October, Citibank closed the claim and charged us again for all the tickets.

Our credit card company said Singapore Airlines initiated a chargeback in September, and we lost the claim. Singapore said they “allowed the chargeback back” for the other four tickets in summer and therefore they won’t refund the money again, but the credit card company said it’s Singapore Airlines who we need to deal with. Can you help us? — Rebecca Engelmann, White Plains, NY


If Singapore Airlines promised you a refund, you should have received one. But this case looks a little upside-down. Let me explain.

Normally, you would not get a refund for tickets you canceled during the pandemic. Airlines are only required to refund tickets when they cancel. Otherwise, you get an expiring ticket credit. (Related: Why won’t Citi remove these fraudulent charges from my card?)

I don’t agree with that, by the way. I think if the government warns you against traveling, or if there’s no way you can safely or legally travel somewhere, then you should also get a refund. But that’s a discussion for another time, and it’s something legislators and consumer advocates are arguing about at the moment.

How a credit card dispute held up your refund from Singapore Airlines

Anyway, it looks like you complicated things by filing a credit card dispute. I’m not entirely sure why you tried to claw your money back after Singapore Airlines promised you a refund. A credit card dispute is a nuclear option. Under the Fair Credit Billing Act, the law that protects you from fraudulent purchases, and you typically have 60-90 days to dispute a purchase. After that, your next stop would be small claims court.

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I’m not sure why Citibank allowed you to file a credit card dispute. Someone from Citi should have advised you to wait for Singapore to make good on its promise. But even so, a written promise to refund the money is like a debit memo. If you show it to your credit card issuer, it’s an almost automatic refund — unless things get as mixed up as they did in this case. (Related: Help! The cost of my airline ticket doubled and now I can’t get a refund.)

I always recommend contacting the company directly.  We list the names, numbers and email addresses for all the executives at Singapore Airlines in our company contacts database. We also have Citibank executive contacts on the site.

This case took some untangling. It turns out the partial refund you received was for an upgrade. Singapore thought Citi had your money. Citi thought Singapore had your money. My team and I spent some time tracking down the refund. Singapore finally refunded all five tickets, as promised.

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Christopher Elliott

Christopher Elliott is the founder of Elliott Advocacy, a 501(c)(3) nonprofit organization that empowers consumers to solve their problems and helps those who can't. He's the author of numerous books on consumer advocacy and writes three nationally syndicated columns. He also publishes the Elliott Report, a news site for consumers, and Elliott Confidential, a critically acclaimed newsletter about customer service. If you have a consumer problem you can't solve, contact him directly through his advocacy website. You can also follow him on X, Facebook, and LinkedIn, or sign up for his daily newsletter.

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